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Edition 203

  • 26 May 2017

It's five weeks before the end of the financial year, and we are publishing some EOFY tips as there are final opportunities at stake. Those with around $1.6 million in super may have a last chance for a large non-concessional contribution. This can include in-specie transfers for certain assets, it does not need to be new cash. Consider asset valuations, contribution splitting, correct timing, cocontributions, updated estate nominations. What a complicated retirement system!

Top 10 tips for SMSFs before 30 June 2017

It is not a standard end of financial year, as there are many items SMSF trustees and super members should check immediately, especially with the changes taking effect from 1 July 2017.

Warning about investing in unit trusts in June

Investing in unit trusts just before a distribution is paid may see a portion of your capital returned to you in the form of taxable income, which will be a poor outcome for your returns.

10 things to check on your estate planning

Rule changes are causing modifications in expert advice on super beneficiaries and estate planning, and this checklist can guide your decisions or discussions with your chosen adviser.

Philanthropy is growing, but what’s the best way to give?

Investors looking to give to charitable causes before 30 June often leave little time to make the best choices to suit their philanthropic intentions, which is where an ancillary fund can assist.

Tax deductions are still available for property investors

There are many costs associated with owning an investment property, and a major one is depreciation of assets. It's wise to claim the full range of legitimate tax deductions as part of the economics of investing.

Diversification captures the winning outliers

A surprisingly small number of stocks usually drive index performance, and active managers who miss these few companies can struggle to perform and justify their active fees.

Reader feedback from 2017 Survey

An excellent 2,135 responses to the Survey. Most readers are in older age brackets, usually with an SMSF, about 30% are market professionals, and they value our independence and lack of product flogging. 94% say they already have or are likely to recommended Cuffelinks to a friend.

What will happen with the bank levy?

Lower profits and dividends? Lower deposit rates? Higher home loan rates? Higher fees? Lower bank salaries and bonuses? Dumping or an increase? Where will the cost of the bank levy go?

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Why it’s time to ditch the retirement journey

Retirement isn’t a clean financial arc. Income shocks, health costs and family pressures hit at random, exposing the limits of age-based planning and the myth of a predictable “retirement journey".

Australia's retirement system works brilliantly for some - but not all

The superannuation system has succeeded brilliantly at what it was designed to do: accumulate wealth during working lives. The next challenge is meeting members’ diverse needs in retirement. 

Australian stocks will crush housing over the next decade, 2025 edition

Two years ago, I wrote an article suggesting that the odds favoured ASX shares easily outperforming residential property over the next decade. Here’s an update on where things stand today.

The 3 biggest residential property myths

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AFIC on the speculative ASX boom, opportunities, and LIC discounts

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Welcome to Firstlinks Edition 637 with weekend update

What should you do if you think this market is grossly overvalued? While it’s impossible to predict the future, it is possible to prepare, and here are three tips on how to best construct your portfolio for what’s ahead.

  • 13 November 2025

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